1991 Ford Escort Car Insurance Rates – 6 Ways to Save

Searching for the cheapest insurance rates for your Ford Escort? Finding cheap coverage rates for Driversinsurance may be hard for drivers not familiar with online rate comparisons. With such a large choice of companies competing online, it can be more work than you anticipated to locate the lowest coverage rates.

It’s a good habit to check insurance prices every six months since prices fluctuate regularly. Just because you found the best deal for Escort insurance two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in one of the quickest ways to lower your annual insurance bill.

If you have car insurance now, you will most likely be able to save some money using this strategy. Locating the cheapest car insurance coverage is quite easy. Nevertheless, vehicle owners need to learn how big insurance companies determine prices.

How to buy auto insurance online

Shopping for lower auto insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You can spend your afternoon talking to agents in your area, or you can utilize the web to get the quickest rates.

Most of the best insurance companies belong to a marketplace where prospective buyers enter their policy data once, and at least one company then returns a price quote based on that information. This prevents consumers from doing form submissions to each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to doing it this way is that consumers can’t choose which insurance companies you want to price. So if you prefer to pick individual companies to compare rates, we have a listing of companies who write auto insurance in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing equivalent deductibles and coverage limits with every price quote. If you are comparing different data it will be nearly impossible to determine the lowest rate for your Ford Escort. Having just a slight variation in coverages could throw off the whole comparison. And when comparison shopping, comparing more rates from different companies will enable you to find the best offered rates. Not every company allows you to get online quotes, so it’s recommended that you also compare quotes from them as well.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out if your situation could use an agent’s help.

• If my pet gets injured in an accident are they covered?
• Is my camper covered by my car insurance policy?
• Do I really need UM/UIM coverage?
• Why am I required to get a high-risk car insurance policy?
• Should I buy more coverage than the required minimum liability coverage?
• I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Car insurance coverages 101

Having a good grasp of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverages – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, a broken windshield, falling objects and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your Escort resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Ford Escort.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverage – This coverage protects you from damage that occurs to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like court costs, attorney fees, medical services and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Coverage for medical payments – Med pay and PIP coverage pay for expenses for things like ambulance fees, dental work, prosthetic devices, X-ray expenses and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage